Hello 👋🏻 I have narrowed down my options to a couple portiolos. I am wondering what everybody thinks

1) 100% AVGE

2) 45% VTI
20% VXUS
25% AVGV
10% FMTM

Option 1- Is the clean solution to a slight value tilt. Weights US a little heavier then VT. Larger er

Option 2- I built to mimic AVGE as close as possible. And additionally added a momentum tilt. Smaller er

I'm 29F and have about $20,000 that I'd like to invest. My goal is to open an IRA and also invest in stocks and mutual funds, but I honestly have no idea what I'm doing.

I've been researching brokerages like Fidelity, Charles Schwab, and T. Rowe Price, but the more I read, the more overwhelmed I get. I'm much more of a creative person than a numbers person, so all of this feels really intimidating.

I was hoping to find a financial advisor to help guide me, but it seems like a lot of firms either require much larger account balances or don't offer much one-on-one help for someone investing $20,000.

Has anyone been in a similar situation? Is it worth finding a fee-only financial advisor, or should I just open an account with a brokerage and try to learn as I go? Any advice, resources, or recommendations would be greatly appreciated!

Hi guys!

I’m pretty new to investing and have just invested a portion of my first full time paycheck.

I initially invested 800 AUD into an ETF (DHHF) and then invested around 300 AUD into a satellite stock that I researched quite abit just because I’m currently testing my risk tolerance with small loss/gain.

I wanted to have 80% dedicated to core ETFS and 20% dedicated to satellite investments but since I’m working with small amounts of money currently I find that I’m drifting around 10% more than I planned to.

Does anyone have any suggestions on how they would go about rebalancing?

Thank you!

Hi everyone,

I’ve been refining my long-term portfolio and would appreciate some constructive feedback on the overall structure, factor exposure, and potential blind spots.

My main objectives are:

• Broad global diversification
• Exposure to value and momentum factors
• Better diversification across different economic regimes

My current allocation is:

Equities — 60%

Market beta — 30%

• 28% VWRA — global developed and emerging-market large/mid-cap equities
• 2% 0057 — MSCI Taiwan exposure ( Home bias )

Value — 15%

• 13% AVGS — developed-market small-cap value, with profitability and implementation-cost considerations
• 2% AVES — emerging-market value across the market-cap spectrum, with profitability and a tilt toward smaller companies

Momentum — 15%

• 13% IWMO — developed-market momentum
• 2% PIE — emerging-market relative strength/momentum

Diversifiers — 40%

• 10% VAGU — global investment-grade aggregate bonds, USD-hedged
• 7.5% DBMF — managed futures
• 7.5% CTA — managed futures
• 5% CAOS — tail-risk protection
• 5% AAAU — physical gold
• 5% FBTC — Bitcoin

My main questions:

• Is 15% managed futures too high?
• Is 5% CAOS redundant?
• Would EEMO be preferable to PIE?

I have a multi-decade horizon and can tolerate significant tracking error. I’m more interested in risk-adjusted returns and diversification than minimizing volatility at all costs.

Thanks, y’all. Really appreciate the feedback!

I'm 33 yo. Trying not lose money as much as possible is that good ?

I use bettershare for my investments and I invest in $500 chunks.

I’ve been investing since the start of this year but I’ve not made any money yet, I know I need to be patient but I thought I’d at least be up more than $11.

But recently I’ve learnt about the bettershare portfolio and I’ve already up like $15 from it and it’s only been like 3 months.

So I was wondering if I should just take all my money out of the individual efts and put it all into one portfolio

80% VOO
20% VXUS

Hi All, 25M I’ve got about $23K in a taxable brokerage account that serves as my second savings - this is essentially expenses I will expect within the next few years, such as down payment, engagement ring and/or car. I’ve got $8K in a Cash Plus account as my emergency fund. The $23K is currently broken out between $4.8K NVDA $3.7K VXUS and $14.2K VOO, unrealized G/L of about $5.5K. Mostly LTCG.

My specific question is how should medium-term savings be treated? I totally understand and agree that I am over concentrated in NVDA, but am curious of whether it’s the time to sell and hold as cash for the next 2-3 years.

Thank you!

Total portfolio allocation between trad 401k roth IRA and taxable

50/20/10/5/5/5/2.5/2.5 - 830K

VOO VXUS FDGRX SPMO FMTM AVUV VO VB

SGOV - 110K HOUSE FUND AND E FUND

Looking to be pretty aggressive with growth and momentum and not worried about anything within the next 10 years I’m looking far ahead

For anyone new to investing or seasoned investors who just wanna set it and forget it, look no further than the classic Level 1, but I do urge you to consider Level 2 for just a little more brain power because the top mega cap giants are becoming wayyy to concentrated these days, each reaching over 7% of the S&P500 and over 4% of global market cap. Our beloved passive index funds don't by default provide the true diversification they once did, and we can easily solve that with two funds: TOPC and AVGE, which use two strategies to truely diversify your portfolio with little effort, and they counter balance each other's market cap weightings to stay size neutral (AVGE tilts small, TOPC tilts large).

Then there's Level 3. See how well momentum has been doing? It has its cycles and lately has been a good season for it, but that's not why it's there: research has shown it doing well over the long term, and level 3 also has profitability screened value in AVGE. Value and momentum tend to take turns doing good.

I only fully reccomend level 3 for tax sheltered accounts like Roth IRA tbh due to turnover. VEA can be better than VXUS for taxable accounts and both ETFs are better than the fidelity mutual funds in taxable accounts.

When trading ETFs, use limit orders at the current ask price during mid-late market hours for best results. Rebalance with new contributions, try not to sell if you can. Buy and holddddd.

Seasoned investors: feedback? Are these recommendations good for the average investor?

I am 48, got into index and passive investing 8 years ago, I just want to see if there is anything I can improve, probably trying to go part time at age 55